ICICI Securities Ltd | Retail Equity Research PAT increased 37.5% YoY to | 1871 crore, largely in line with our estimate. The surge can be attributed to one-time exceptional gain of | 922 crore, from 22.9% stake in the general insurance business NII growth remained on a slower trajectory at 8.1% YoY to | 2116 crore. Margins were flat YoY at 3.8% as expected Net loans grew at 14.9% YoY to | 265731 crore, led by individual loans growing 16% YoY to | 185281 crore forming 69.7% of the...